Abstract:The rapid integration of financial technology (FinTech), artificial intelligence (AI), and social media has transformed global investment behavior, reshaping the psychological dynamics of modern investors. This paper examines…
mines how digital technologies amplify behavioral biases such as overconfidence, herding, and recency bias within contemporary financial markets. Using a descriptive qualitative approach supported by literature synthesis and case studies, it explores the interplay between investor psychology and technological systems. Findings indicate that while FinTech platforms democratize access to financial markets, their gamified features and algorithmic personalization reinforce impulsive and emotionally driven trading. AI-based advisory systems, though designed to enhance decision accuracy, often introduce automation bias and confirmation loops that distort rational judgment. Social media ecosystems further accelerate herding and emotional contagion by promoting conformity through peer validation and viral sentiment. The study highlights ethical and regulatory challenges associated with behavioral exploitation and algorithmic transparency, emphasizing the need for robust investor protection frameworks and behavioral literacy programs. Ultimately, it concludes that technology in finance must balance innovation with responsibility, ensuring that digital tools empower investors without amplifying cognitive biases or undermining market integrity.
Abstract:A vaporizer is a type of device designed to convert nicotine into vapor without direct combustion. The decision to use this device is influenced by several factors, including sensation seeking and conformity. This study…
aims to (1) examine the relationship between sensation seeking, conformity, and decision-making, (2) explore the relationship between sensation seeking and decision-making, and (3) investigate the relationship between conformity and decision-making among early adult female vaporizer users in Bogor City. The study utilized purposive incidental sampling, with a sample of 66 female respondents aged 20–25 years residing in Bogor City. The research instruments included the Sensation Seeking Scale (r=0.718), Conformity Scale (r=0.740), and Decision-Making Scale (r=0.728). Data were analyzed using multiple linear regression and partial correlation analysis.
Abstract:Penelitian ini menganalisis penerapan sanksi disiplin kerja terhadap pelanggaran karyawan di PT. Pouchen Indonesia serta kesesuaiannya dengan Undang-Undang Nomor 13 Tahun 2003 tentang Ketenagakerjaan. Metode yang digunakan…
an adalah penelitian hukum empiris dengan pendekatan yuridis-empiris melalui observasi, wawancara, dan studi kepustakaan. Hasil penelitian menunjukkan pelanggaran yang paling sering terjadi meliputi keterlambatan, ketidakhadiran tanpa keterangan, ketidakpatuhan terhadap SOP dan penggunaan APD, serta pelanggaran ringan lain yang bersifat berulang. Penyebabnya antara lain jarak tempat tinggal, kurangnya pemahaman aturan, rendahnya kesadaran disiplin, dan pengawasan yang belum merata. Perusahaan menerapkan sanksi secara bertahap, mulai teguran lisan, Surat Peringatan I, II, III, hingga Pemutusan Hubungan Kerja sebagai langkah terakhir, yang selalu didahului pencatatan, klarifikasi, dan kesempatan membela diri. Penerapan sanksi tersebut telah sesuai dengan Pasal 108, Pasal 111, Pasal 151 ayat (1), dan Pasal 161 UU Nomor 13 Tahun 2003, sehingga tidak ditemukan pemotongan upah tanpa dasar maupun sanksi sewenang-wenang. Dengan demikian, sistem sanksi disiplin di PT. Pouchen Indonesia telah mencerminkan asas kepastian hukum, keadilan, dan perlindungan hak pekerja.
This study analyzes the application of work discipline sanctions for employee violations at PT. Pouchen Indonesia and their conformity with Law No. 13 of 2003 concerning Manpower. It employs empirical legal research with a juridical-empirical approach through observation, interviews, and library research. The findings show that the most frequent violations include tardiness, unexcused absence, non-compliance with SOP and PPE use, and other minor repeated violations. The causes include distance from residence, lack of understanding of regulations, low disciplinary awareness, and uneven supervision. The company applies sanctions progressively, from verbal warning, Warning Letters I, II, III, to Termination of Employment as the final step, always preceded by recording, clarification, and the right of defense. The application conforms to Articles 108, 111, 151 paragraph (1), and 161 of Law No. 13 of 2003, with no unlawful wage deductions or arbitrary sanctions found. Thus, the disciplinary sanction system at PT. Pouchen Indonesia reflects the principles of legal certainty, justice, and protection of workers' rights.
Abstract:Perkawinan anak masih menjadi persoalan hukum di Indonesia meskipun batas usia minimum perkawinan telah dinaikkan menjadi 19 tahun melalui Undang-Undang Nomor 16 Tahun 2019. Kenaikan usia ini justru meningkatkan permohonan…
an dispensasi kawin ke Pengadilan Agama, sehingga menimbulkan pertanyaan mengenai kesesuaian pemberian dispensasi dengan ketentuan yang berlaku serta dasar pertimbangan hakim dalam mengabulkannya. Penelitian ini bertujuan untuk menganalisis kesesuaian pemberian dispensasi kawin pasca perubahan batas usia perkawinan berdasarkan Undang-Undang Nomor 16 Tahun 2019 dan PERMA Nomor 5 Tahun 2019, serta menganalisis dasar pertimbangan hakim dalam Penetapan Nomor 2006/Pdt.P/2024/PA.Srg berdasarkan PERMA RI Nomor 5 Tahun 2019. Penelitian ini menggunakan metode penelitian hukum normatif dengan pendekatan perundang-undangan, kasus dan konseptual. Bahan hukum primer berupa Penetapan Nomor 2006/Pdt.P/2024/PA.Srg dan peraturan terkait dianalisis secara deskriptif kualitatif. Hasil penelitian menunjukkan bahwa pemberian dispensasi kawin telah sesuai secara formal-prosedural dengan Undang-Undang Nomor 16 Tahun 2019 dan PERMA Nomor 5 Tahun 2019, karena hakim telah menempuh seluruh tahapan prosedural yang diwajibkan. Namun, dari sisi materiil alasan berupa kekhawatiran perbuatan menyimpang dari ajaran agama Islam bersifat umum sehingga standar "alasan sangat mendesak" cenderung diterapkan longgar. Dasar pertimbangan hakim terdiri atas unsur formil berupa kewenangan dan kelengkapan syarat administratif, serta unsur materiil berupa fakta hubungan asmara calon mempelai dan penerapan kaidah fikih dar'u al-mafasid muqaddamun ala jalbi al-mashalih, yang ditinjau dari Teori Perkawinan telah memuat sebagian aspek kesiapan calon mempelai namun belum komprehensif pada aspek kesiapan psikologis.
Child marriage remains a legal issue in Indonesia even though the minimum age for marriage has been raised to 19 years through Law Number 16 of 2019. This increase in age has actually increased applications for marriage dispensation to the Religious Courts, raising questions regarding the conformity of granted dispensations with applicable regulations and the judge's basis for consideration in granting them. This study aims to analyze the conformity of granting marriage dispensation after the change in the minimum age limit for marriage based on Law Number 16 of 2019 and Supreme Court Regulation (PERMA) Number 5 of 2019, as well as to analyze the judge's basis for consideration in Decree Number 2006/Pdt.P/2024/PA.Srg based on PERMA Number 5 of 2019. This study uses a normative legal research method with a statutory, case, and conceptual approach. Primary legal materials, including Decree Number 2006/Pdt.P/2024/PA.Srg and related regulations, were analyzed descriptively and qualitatively. The research results show that the granting of marriage dispensation is formally and procedurally in conformity with Law Number 16 of 2019 and PERMA Number 5 of 2019, as the judge followed all required procedural steps. However, from a substantive standpoint, the reasoning concerning acts deviating from Islamic teachings is general in nature, so the "very urgent reason" standard tends to be applied loosely. The judge's basis for consideration consists of formal elements, namely authority and completeness of administrative requirements, and material elements, namely the fact of the romantic relationship between the prospective spouses and the application of the fiqh principle of dar'u al-mafasid muqaddamun ala jalbi al-mashalih, which, when reviewed through Marriage Theory, has addressed some aspects of the prospective spouses' readiness but has not been comprehensive regarding psychological readiness.
Abstract:The financial information presented in the financial statements serves to evaluate company performance, control costs, and plan future business strategies. In addition to internal parties, financial statements are also used…
sed by external parties such as creditors, investors, and government agencies. Financial statements in accordance with SAK ETAP can increase company transparency and accountability. This financial transparency and accountability will increase external parties' trust in the company. Therefore, an analysis of the preparation of financial statements at CV Saudagar Jaya Sukses is needed. This analysis aims to assess the conformity of the prepared financial statements with the provisions of SAK ETAP. This study uses a descriptive research type with a qualitative approach. The results of the study indicate that the preparation of financial statements at CV. Saudagar Jaya Sukses is still not fully in accordance with the provisions contained in SAK ETAP, so various improvements are needed to improve the quality of the resulting financial statements.
Abstract:The rapid proliferation of AI-powered marketing technologies in emerging markets poses a fundamental challenge to culturally-grounded micro, small, and medium enterprises (MSMEs): how can algorithmic imperatives be reconciled…
ciled with indigenous value systems that define not only business practice but collective identity? Despite growing research on both AI adoption in SMEs and indigenous knowledge preservation, scholarship rarely examines how traditional values actively mediate rather than merely moderate commercial technology adoption. This study addresses that gap by investigating how MSMEs in Makassar City, Indonesia, negotiate AI marketing integration while preserving siri’ na pacce, the Bugis-Makassar philosophical framework centred on dignity (siri’) and solidarity (pacce). Employing interpretive phenomenology integrated with Community-Based Participatory Research (CBPR), the study conducted 23 in-depth interviews and three focus group discussions with 44 MSME owners and key personnel across traditional culinary, artisan craft, ethnic fashion, and digital service sectors. Template analysis generated four overarching themes: (1) value-based technology discernment, wherein siri’ na pacce operates as an active epistemological filter for evaluating AI tools; (2) strategic selective adoption, wherein enterprises accept algorithmically aligned functions while rejecting culturally incompatible features; (3) cultural indigenization of technology, wherein AI systems are actively reoriented toward communal rather than individualistic ends; and (4) constrained agency under platform power, wherein algorithmic visibility systems penalise cultural non-conformity with market exclusion. These findings challenge technological determinism and advance decolonial computing theory by demonstrating that indigenous values simultaneously enable epistemological agency and are constrained by structural power asymmetries, a duality insufficiently theorised in prior technology adoption frameworks. The study calls for regulatory frameworks establishing indigenous data sovereignty, participatory AI co-design with local communities, and cooperative digital infrastructure as conditions for authentic, rather than performative, cultural integration.
Abstract:This research is motivated by the importance of building and maintaining customer loyalty at the Botani Bina Rahmah Sharia Rural Financing Bank (BPRS), a financial institution that plays a strategic role in strengthening…
the sharia-based economy and promoting financial inclusion at the micro level. The phenomenon of increasing account openings without a corresponding increase in customer retention indicates challenges in managing long-term relationships with customers. Trust and commitment are believed to be important factors in creating loyalty, but the effectiveness of both is often influenced by the level of customer satisfaction. Therefore, this study was conducted to analyze satisfaction as a mediating variable in the relationship between trust and commitment and customer loyalty. This study aims to analyze: (1) the effect of trust on customer loyalty, (2) the effect of commitment on customer loyalty, (3) the effect of trust on loyalty through customer satisfaction as a mediating variable, and (4) the effect of commitment on loyalty through customer satisfaction as a mediating variable. The research approach used is quantitative with a cross-sectional design. Data were collected by distributing Likert-scale questionnaires to 100 active customer respondents of BPRS Botani Bina Rahmah. Data analysis was carried out using Structural Equation Modeling–Partial Least Squares (SEM–PLS) with the help of SmartPLS software to test the validity and reliability of constructs and the relationships between variables in the structural model. The results of the study indicate that trust has a positive and significant effect on customer loyalty, while commitment does not have a significant direct effect on loyalty. Customer satisfaction is proven to act as a significant mediating variable in the relationship between trust and loyalty, as well as between commitment and loyalty. These findings confirm that BPRS customer loyalty is more influenced by the level of trust and satisfaction built through service quality and conformity to Sharia values. Practically, BPRS management needs to strengthen contract transparency, improve service consistency, and optimize digital channels to strengthen trust, increase satisfaction, and ultimately encourage sustainable customer loyalty.
Abstract:This study aims to analyze the level of conformity of carbon emission disclosure based on Environmental Management Accounting (EMA) through the GRI 305 standard in companies included in the IDX LQ45 Low Carbon Leaders (LQ45LCL)…
Q45LCL) index during the period 2022–2024. The increasing global attention to Environmental, Social, and Governance (ESG) issues encourages companies to improve transparency in environmental reporting, particularly regarding carbon emissions. EMA plays an important role as an internal accounting system that provides environmental information used in sustainability reporting. However, variations in the quality of carbon emission disclosure among companies indicate that the implementation of EMA is not yet fully optimal. This research uses a quantitative descriptive approach by analyzing the level of disclosure conformity of GRI 305 indicators in sustainability reports of companies included in the IDX LQ45 Low Carbon Leaders index. The level of conformity is calculated by comparing the number of disclosed indicator criteria with the maximum number of criteria that should be disclosed. The classification of disclosure levels includes not applied, limited disclosure, partially applied, well applied, and fully applied. The results show that the level of carbon emission disclosure among companies varies across the observation period. Several companies demonstrate an increasing trend in disclosure, while others experience fluctuations or remain at a limited disclosure level. Overall, most companies fall within the partially applied category, indicating that carbon emission disclosure has not yet been comprehensively implemented according to the GRI 305 standards. These findings suggest that although companies in the LQ45LCL index are recognized as low-carbon leaders, improvements in the implementation of Environmental Management Accounting are still needed to enhance the transparency and completeness of carbon emission reporting.
Abstract:Family communication plays a fundamental role in shaping an individual's character, particularly in adulthood. This study examines the influence of family communication patterns on adult character formation through a bibliometric…
liometric analysis. Utilizing a Systematic Literature Review (SLR) and bibliometric approach, this research explores key trends, theoretical frameworks, and scholarly discussions related to family communication and character development. The study highlights the significance of open, trust-based, and emotionally supportive communication in fostering essential adult traits such as responsibility, integrity, empathy, and adaptability. Findings suggest that families with high conversation orientation cultivate individuals with stronger social skills and problem-solving abilities, whereas rigid conformity-oriented communication may hinder independent decision-making. Additionally, digital communication emerges as a growing factor influencing family dynamics. By mapping research trends and analyzing citation patterns, this study provides valuable insights into the long-term impact of family communication on adulthood and offers recommendations for future research.
Abstract:Abstract This research discusses the effectiveness of leadership management in the context of a church. The church, as a Christian community, possesses distinct characteristics, including the diverse backgrounds of its members…
members in terms of age, occupation, education, and social status. Unlike other organizations with financial orientations, the church aims to fulfill the spiritual needs of its members, emphasizing a focus on conformity to Christ. Church leaders are expected not only to exercise authority for regulation but also to empower the congregation. Effective church leadership involves empowerment, exploration of potentials, and acceptance of differences. Church leaders play a crucial role in the effective growth of the church, and leadership management is key to achieving the church's vision and mission. The research methodology employed is a qualitative descriptive approach with literature review. In-depth analysis of the concept of leadership management in the church is conducted by connecting information from various sources, including books, journals, articles, and relevant websites. The findings indicate that the understanding of the church involves spiritual and organizational dimensions, necessitating effective leadership management. Leadership centered on biblical values, resource management, and the empowerment of congregation members becomes crucial in attaining church goals. The differences and uniqueness of the church demand leaders to implement suitable leadership styles, such as democracy, to support the potential of each member. From this research, it can be observed that effective leadership management in the church plays a crucial role in achieving spiritual and organizational objectives. Church leaders need to develop strategies in line with the church's characteristics and leverage the potential of congregation members for sustainable growth.